Patient Finance and Insurance Information

At Bumrungrad Hospital, we intend to make our patient’s experience with us a satisfying one.

Our pricing policy is transparent and price estimation is provided for procedures. Care is customized, therefore, the cost of treatment will vary among patients. The estimated price represents a possible range of costs only and should not be interpreted as the actual costs of treatment.

For self-pay patients, we discuss the costs of procedures and any high cost treatment with our patients before the care begins. Full deposit is required for all procedures including CT/MRI/PET Scan. Initial deposit as estimated is also required for General Medicine Admissions. Once the procedure is done and if there is excess deposit, the money will be refunded to patient. We will also refund in full if the procedure is cancelled unless specified otherwise.

If payment is by credit card, the refund will be through credit line which is subject to the exchange rate of the date of refund. If payment is by cash/debit card, the refund will be by cash or money transfer. All wire transfer refund is subject to bank service charge, exchange rate, the difference of the bank buying and selling rate of the currency.

There are several payment options that patient can choose from.

Payment Options:

□ Payment by cash, credit card/debit card is accepted. Cheque is not accepted except for Cashier Cheque.□ Wire Transfer can be done from overseas through:

IN ORDER TO CONFIRM THE TRANSFER PROMPTLY, PLEASE SPECIFY PATIENT’S NAME AND HOSPITALNUMBER (HN) ON THE PAY-IN SLIP. ONCE THE TRANSFER IS COMPLETED, PLEASE ASK THE BANK FOR SWIFT MT103 NOTIFICATION FORM AND FAX/E-MAIL TO THE HOSPITAL AT:

E – Payment

Bumrungrad Hospital has set up an alternative way for patient to pay medical bill through an on-line system or

E-payment in order to facilitate the payment process. The E-payment method is safe, fast and accurate. Patient/relative/friend can easily pay the bill or make deposit through on-line system without coming to the hospital. There is no service charge for the E-payment. Patients who choose to pay through E-payment can just inform the cashier. The E-payment link will then be sent to the e-mail address of the patient/relative/friend.

Only VISA and MasterCard are welcome for this type of payment.

□Western Union

Western Union is a financial service company that offers person-to-person money transfer (plus fee) that can be done the next day or within the day. It has agent locations all over the world.

□Credit CardPre-Authorization

Relative and friend can authorize Bumrungrad Hospital to charge his/her credit card without being present at the hospital by scanning and sending the following documents to the related department.

1. A copy of the credit card that is still valid both front and back. Please specify the security code (three digits number) on the copy and certify by writing ‘Correct Copy’ and sign.

2.A copy of the passport that is still valid/official ID card with photo/Driver’s license. Please certify by writing ‘Correct Copy’ and sign.

Mr./Mrs./Ms. ………………………………………… Hospital number (HN): …………………………. in the amount of

…………………………. (numerical and written amount). Please sign your name and date.

*** American Express and Diners Club credit card are not accepted for this type of payment.

Note:

Always make payment directly to cashier at the cashier counter only, unless payment is done by e-payment or money transfer. Bumrungrad does not have policy allowing staffs to handle patient’s financial transaction on patient’s behalf. Hospital will not be responsible for any financial transaction that is done between patient/patient’s relative/patient’s representative and Bumrungrad staff personally.

Transfer process may take days/week(s) depending on each bank. In order to avoid delay of service, please check with your bank.

Patient is responsible for the exchange rate and the bank service fee when doing wire transfer.

Money transferred is strictly for medical use only. Please do not transfer extra money for personal use.

While being admitted, medical expenses will be updated every 3 days and additional deposit may be required.

Before travelling outside your country, inform the Bank issuer of your credit card. Please check credit limit since extension of the credit limit may be needed. Confirm with your card provider on any charges that may occur by using the credit card oversea.

The exchange rate will be based on the local bank’s rate. If patient is to be refunded by credit line, it will be refunded in Thai Baht which will be converted into patient’s home currency at the destination bank and it is subject to the bank exchange rate, and the buying and selling rate.

There are several Representative Office oversea to help provide information and arrange appointment for medical travelers at no cost.

Refund policy :

If medical expense is less than deposit, patient can contact cashier to receive refund once treatment is done.

Cancellation of procedure/surgery, patient will receive full refund right away unless the cash refundamount is high, patient will be refunded the next day the latest (please also see no refund policy below).

Hospital receives letter of guarantee from contracted insurance after patient deposited in full and discharged. Refund amount depends on the amount guaranteed. Hospital will contact patient to inform about the guarantee and patient can contact cashier at any time to get the deposit refund.

No refund policy :

There will be no refund on the procedures that we have to prepare medication in advance or for medication that has to be ordered from oversea especially for the patient such as chemo medication. Patient will be informed beforehand.

Once procedure started but patient decides to stop the procedure, any medical expenses incurred after the visit was opened shall be the responsible of the patient.

There will be no refund if the borrowed or rental item was not returned or damaged.

There will be no refund on pharmacy and medical supplies

Insurance Information

Bumrungrad International has contract with major insurance companies. Please check our website for the list of the contracted companies. Always present your insurance card at our Registration. If there is a change of insurance company, please notify us.

Travel Insurance

Travel insurance provides coverage for medical expenses, for flight accidents, losses incurred while traveling. Please study the coverage types and ensure your policy covers your needs. For medical travelers, standard travel insurance may not cover complication during or as a result of treatment. Medical tourism complications insurance should be considered. As it is designed for travelers seeking medical treatment internationally. Some policies protect you by covering medical treatment complications that may arise

Advice for Medical Traveler

Contact your insurance company if they will cover treatment overseas.

Check if you have to pay out of pocket and file reimbursement afterwards.

If you have pre-existing condition, confirm with your insurance if the treatment will be covered.

Find out about your deductibles, co-insurance and the maximum amount of medical coverage.

Check hospital website on the list of contracted insurance company. For any inquiry, contact our Third Party Payor department at tpps@bumrungrad.com.

Hospital policy on insured patient

There is no direct billing on OPD visits with non-contracted insurance. Patient will have to pay in full amount. Hospital will provide documents needed and the patient files claim with insurance directly.

For admission, patient pays deposit in full prior to or upon admission. Hospital will coordinate with insurance company to get a letter of guarantee. If the hospital does not get the letter of guarantee by the discharge date, patient will be responsible for the full amount and file claim directly for reimbursement. Hospital will refund the patient once we receive the full payment from the insurance company within 30 days.